Data Scientist - Flex Pay

About the Role:

We are seeking a highly analytical and results-driven Data Scientist to join our buy now pay later (BNPL) sector called Flex Pay. You will play a key role in building predictive risk models, optimizing offers and pricing, and extracting insights that drive product development, risk mitigation, and customer strategy. This role requires a strong foundation in statistics, machine learning, and programming.

This position is based in our San Francisco office in a hybrid capacity, specifically on Wednesdays and Thursdays.

What You’ll Do:

• Build and maintain credit and fraud policy simulators used to ensure properly functioning systems and identify risk decisioning enhancements.

• Build and deploy statistical models and machine learning algorithms to solve business problems in areas like credit risk, fraud detection, pricing, customer segmentation, and marketing attribution.

• Validate models to identify factors that may affect model performance.

• Analyze large, structured and unstructured datasets using SQL, Python or similar tools.

• Stay up to date with the latest trends and technologies in data science and fintech, actively research new tools and techniques available for model development.

• Collaborate with cross-functional teams including risk, marketing, product, and engineering to define data-driven strategies.

What We Look For:

• Advanced Degree (MS/PhD) in Data Science, Statistics, Mathematics, Computer Science, Finance, or a related quantitative discipline.

• 2 years of hands-on experience in a data science or analytics role, preferably in financial services.

• Experience and/or strong interest in machine learning techniques (Random Forest, Gradient Boosted Trees, etc.) strongly preferred.

• Strong proficiency in Python (Pandas, Numpy, Scikit-learn) and SQL.

• Ability to write documentation and present analysis to people with different levels of expertise (e.g., technical staff, business leads, etc.).

• Proactive, driven, and ability to work in a fast paced environment.

Nice to Have:

• Experience with data visualization tools (e.g., Tableau, Power BI).

• Experience with AI tools such as Claude

• Experience with data technologies like PySpark.

• Understanding of financial services concepts such as credit scoring, portfolio risk, or customer lifetime value.

What We Offer You:

• Competitive salary and stock option plan

• Paid coverage of medical, dental and vision insurance

• Competitive 401(k) and RRSP program

• Flexible PTO

• Opportunities for professional growth and development

• Paid parental leave

• Health & wellness initiatives

The compensation range of this position in San Francisco, CA is USD $100,000-$120,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.